EP0034885A2 - Vorrichtung zur Banknotenausgabe mittels Kreditkarten - Google Patents

Vorrichtung zur Banknotenausgabe mittels Kreditkarten Download PDF

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Publication number
EP0034885A2
EP0034885A2 EP81300477A EP81300477A EP0034885A2 EP 0034885 A2 EP0034885 A2 EP 0034885A2 EP 81300477 A EP81300477 A EP 81300477A EP 81300477 A EP81300477 A EP 81300477A EP 0034885 A2 EP0034885 A2 EP 0034885A2
Authority
EP
European Patent Office
Prior art keywords
control
unit
bank
dispensing
signal
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Granted
Application number
EP81300477A
Other languages
English (en)
French (fr)
Other versions
EP0034885A3 (en
EP0034885B1 (de
Inventor
Lucio Simonotti
Remo Marina
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Olivetti SpA
TIM SpA
Original Assignee
Olivetti SpA
Ing C Olivetti and C SpA
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Olivetti SpA, Ing C Olivetti and C SpA filed Critical Olivetti SpA
Publication of EP0034885A2 publication Critical patent/EP0034885A2/de
Publication of EP0034885A3 publication Critical patent/EP0034885A3/en
Application granted granted Critical
Publication of EP0034885B1 publication Critical patent/EP0034885B1/de
Expired legal-status Critical Current

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Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G07F19/202—Depositing operations within ATMs
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]

Definitions

  • This invention relates to apparatus for dispensing bank-notes under the control of credit cards, in which a control unit controls a dispensing device in response to a unit for comparing a number recorded on the card with an identification number entered by the customer.
  • the dispensing device is enabled to dispense bank-notes solely by the control unit, which is connected to the dispensing device by connections which are easily accessible from the outside, especially if the control signal arrives from a remote central unit.
  • These connections can therefore be relatively easily tampered with, because of which it is possible to generate improper activation signals or fraudulently invert such signals.
  • This possibility is still greater in the case of bank-notes dispensing apparatus installed outside.
  • Such apparatus are normally provided with a strong box which contains both the dispensing device and the comparison unit for the secret customer- identification number, but the control unit is generally outside the strong box, because of which its connection to the comparison unit and dispensing device is easily accessible.
  • the object of the invention is to obviate the danger of fraud due to the accessibility of the connections between the dispensing device and the control unit.
  • the apparatus comprises a central or control unit 10, for example a microprocessor, arranged to control a series of peripheral units.
  • a reading and recording device 11 for a credit card adapted to receive the credit card in a slot 12 and to transfer it into a reading and recording zone.
  • the credit card contains a read-only track carrying a set of identification data, and another reading and writing track carrying the accounting data which allow and record the withdrawal of a determined sum within a fixed period or cycle.
  • the device 11 identifies the customer by combining, under the control of the central unit 10, the data read from the read-only track of the credit card with a secret identification number (PIN) which the customer enters on a keyboard 13 under the guide of information which the unit 10 displays on a display screen 14.
  • PIN secret identification number
  • the apparatus also comprises a bank-note dispensing unit 17, which comprises one or more drawers, each for containing the bank-notes of a corresponding denomination.
  • a bank-note dispensing unit 17 which comprises one or more drawers, each for containing the bank-notes of a corresponding denomination.
  • the unit 17 is controlled by the central unit 10 on the basis of the number executed on the keyboard, in such a manner as to withdraw a determined number of bank-notes of the various denominations and to collect them into a wad which is then presented to the customer at a slot 18 in the front panel of the apparatus.
  • the central unit 10 controls the unit 11 such that it updates on the reading and writing track of the credit card the sum which can still be withdrawn within the given period, after which the unit 11 returns the credit card to the customer through the slot 12.
  • the apparatus also comprises an envelope dispensing unit 22, which is operated under the control of the central unit 10 following the identification of the customer by the unit 11 on the basis of the credit card as seen heretofore, and on executing the required type of transaction on the keyboard.
  • the customer can place bank-notes to be deposited inside the envelope dispensed in this manner. He then reinserts the envelope containing the bank-notes into an envelope collection unit 23, which stamps the envelope and feeds it to a deposit drawer 24 under the control of the central unit 10.
  • the keyboard 13, the screen 14 and the slots for access to the unit 17 and to the devices 22 and 23 are protected by an anti-vandal slide-plate 24, (Fig 3) which is driven by a servomotor controlled by the central unit 10.
  • the slide-plate 24 is normally closed and is opened only when a credit card is inserted into the slot 12 of the unit 11 and recognised as valid by the unit 11.
  • the apparatus is arranged in a recess 26 in the wall of a bank, so as to be accessible by the customer directly from the outside.
  • the apparatus is contained in a metal cabinet 27 and comprises an armoured container in the form of a strong box 28 accessible to the bank's operator from the inside by way of an armoured door 29 (Fig 4).
  • the strong box 28 contains the dispensing device 17, the slot 18 of which ( Figure 3) is disposed in a position corresponding with an aperture 31 in the top of the strong box 28.
  • the strong box 28 also houses the deposit drawer 24, connected to the unit 23 by way of a slot 32 in the strong box 28 and a duct 33. Finally, the strong box 28 contains the customer identification unit 9, which is electrically connected directly to the device 17. The electrical supply cables for the units 9 and 17 and the control cables between these and the central unit 10 passes through a hole 34 ( Figure 3) in the strong box 28.
  • the central unit, together with the power supply unit 35, the unit 11 and the keyboard 13, the screen 14, the units 22 and 23 and other devices not illustrated are located outside the strong box 28, because of which the weight and thus the cost of the apparatus is reduced to a minimum.
  • the identification unit 9 comprises a digitising circuit 36 ( Figure 2), which is connected by way of a serial interface 37 to the central unit 10, to receive the account number read by the unit 11 from the read-only track of the credit card.
  • This digitising is carried out under the control of one or more algorithms normally recorded in a memory 38 and selectively extractable under the control of the central unit 10.
  • the identification unit 9 also comprises a comparison device or circuit 39 arranged to compare the number digitised by the circuit 36 with the secret customer identification number, commonly known as a PIN. This number, when entered on the keyboard 13, is fed to the circuit 39 by the central unit 10 by way of an interface 41.
  • a comparison device or circuit 39 arranged to compare the number digitised by the circuit 36 with the secret customer identification number, commonly known as a PIN. This number, when entered on the keyboard 13, is fed to the circuit 39 by the central unit 10 by way of an interface 41.
  • the circuit 39 is arranged to emit a signal OK if the result of the comparison is positive, whereas in all other cases it emits a signal N. These two signals are fed through two corresponding electrical conductors 40 and 48 to the central unit 10. This, in response to the signal OK, allows the customer to set the amount to be withdrawn on the keyboard 13. The central unit 10 now compares the value of this amount with the value read by the unit 11 from the reading and writing track. If the result of this comparison is also positive, the central unit 10 feeds the order for the withdrawal of a corresponding number of bank-notes through a conductor 42.
  • the conductor 42 is connected to a logic circuit 43 for controlling a drive motor 44 for the dispensing device 17.
  • the logic circuit 43 is arranged to be inhibited by inhibition means disposed in the strong box 28 and constituted by a flip-flop 46, which can be set by the signal N emitted by the circuit 39 through a conductor 48' inside the strong box 28, and reset by the signal OK of the circuit 39 through a conductor 40' also inside the strong box 28.
  • the flip-flop 46 can also be set at least by a signal D generated by a sensor for the wad of bank-notes and indicating the end of a withdrawal operation.
  • the flip-flop 46 is set by a signal A which is generated at the beginning when the apparatus is connected to the mains after an interruption for any reason.
  • the flip-flop 45 When set, the flip-flop 45 inhibits the logic circuit 43 by way of a conductor 47, so that the dispensing device 17 is directly blocked.
  • the flip-flop 46 is normally set, because of which the logic circuit 43 is inhibited. It is reset in order to activate the circuit.43 only by the signal OK following a positive comparison carried out by the circuit 39.
  • the signal OK enables the central unit 10 to continue the transaction and to feed the dispensing commands to the circuit 43 through the conductor 42.
  • the signal When the end of the dispensing operation is signalled by the device 17, the signal again sets the flip-flop 46, so that the circuit 43 is again inhibited.

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
EP81300477A 1980-02-08 1981-02-04 Vorrichtung zur Banknotenausgabe mittels Kreditkarten Expired EP0034885B1 (de)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
IT6718980 1980-02-08
IT67189/80A IT1128032B (it) 1980-02-08 1980-02-08 Apparecchiatura per la dispensazione di banconote sotto il controllo di carte di credito

Publications (3)

Publication Number Publication Date
EP0034885A2 true EP0034885A2 (de) 1981-09-02
EP0034885A3 EP0034885A3 (en) 1985-09-25
EP0034885B1 EP0034885B1 (de) 1987-11-19

Family

ID=11300331

Family Applications (1)

Application Number Title Priority Date Filing Date
EP81300477A Expired EP0034885B1 (de) 1980-02-08 1981-02-04 Vorrichtung zur Banknotenausgabe mittels Kreditkarten

Country Status (4)

Country Link
EP (1) EP0034885B1 (de)
JP (1) JPS56123068A (de)
DE (1) DE3176539D1 (de)
IT (1) IT1128032B (de)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1544818A1 (de) * 2003-12-18 2005-06-22 Axalto S.A. Gesichertes Endgerät

Family Cites Families (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JPS5543138B1 (de) * 1969-04-26 1980-11-05
JPS50108995A (de) * 1974-02-01 1975-08-27
US4075460A (en) * 1975-11-28 1978-02-21 Incoterm Corporation Cash dispensing system
GB1561482A (en) * 1976-11-18 1980-02-20 Ibm Protection of data processing system against unauthorised programmes

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1544818A1 (de) * 2003-12-18 2005-06-22 Axalto S.A. Gesichertes Endgerät
WO2005062266A1 (fr) * 2003-12-18 2005-07-07 Axalto Sa Terminal securise
US7757102B2 (en) 2003-12-18 2010-07-13 Axalto Sa Secure terminal

Also Published As

Publication number Publication date
JPS641826B2 (de) 1989-01-12
IT8067189A0 (it) 1980-02-08
EP0034885A3 (en) 1985-09-25
EP0034885B1 (de) 1987-11-19
DE3176539D1 (en) 1987-12-23
JPS56123068A (en) 1981-09-26
IT1128032B (it) 1986-05-28

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